Call reports 2009
HURON STATE BANK — 2009
What HURON STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 50,280,000 | 50,120,000 | 54,000,000 | 50,881,000 |
| Total loans | 36,307,000 | 36,198,000 | 37,091,000 | 37,372,000 |
| Allowance for loan losses | 305,000 | 300,000 | 304,000 | 334,000 |
| Securities available for sale | 7,577,000 | 7,945,000 | 7,577,000 | 7,552,000 |
| Securities held to maturity | 35,000 | 35,000 | 35,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,656,000 | 43,400,000 | 47,117,000 | 44,084,000 |
| Interest-bearing deposits | 39,484,000 | 38,573,000 | 42,376,000 | 39,048,000 |
| Noninterest-bearing deposits | 4,173,000 | 4,827,000 | 4,741,000 | 5,036,000 |
| Equity capital | 6,390,000 | 6,518,000 | 6,664,000 | 6,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 735,000 | 1,468,000 | 2,213,000 | 2,958,000 |
| Interest expense | 276,000 | 545,000 | 804,000 | 1,051,000 |
| Net interest income | 459,000 | 923,000 | 1,409,000 | 1,907,000 |
| Noninterest income | 25,000 | 51,000 | 84,000 | 117,000 |
| Noninterest expense | 287,000 | 573,000 | 872,000 | 1,180,000 |
| Provision for loan losses | 63,000 | 70,000 | 80,000 | 107,000 |
| Pretax income | 134,000 | 331,000 | 541,000 | 737,000 |
| Income tax | 50,000 | 110,000 | 174,000 | 240,000 |
| Net income | 84,000 | 221,000 | 367,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,365,000 | 6,494,000 | 6,640,000 | 6,598,000 |
| Total capital | 6,670,000 | 6,794,000 | 6,944,000 | 6,932,000 |
| Risk-weighted assets | 31,942,000 | 43,079,000 | 44,389,000 | 32,609,000 |
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